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The difference between the assessed vs. appraised value of your home is more about who is doing the estimating and less about the actual value of your home. The assessed value is what your taxing entity (typically your local government) believes the property is worth. That number is used to determine how much property tax you owe. The appraised value is what an independent appraiser believes the property is worth. The appraised value (vs. the assessed value) more closely aligns with the market value of the home. An appraisal is usually done when you’re in the process of buying, selling, or taking out a loan against a property. 

As far as it concerns you and your money, a mistake in either of these values could have you unfairly paying more for your home. But don’t worry — we have you covered. We’ll examine the differences between assessed vs. appraised value and how each will affect your finances. 

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Defining Assessed Value and Appraised Value

Let’s have a closer look at the definition of assessed value vs. appraised value:

Assessed value. The assessed value of your property is the value determined by your local taxing authority. The assessed value is used to determine how much you’ll pay in taxes. It is typically updated once a year. 

Appraised value. The appraised value is an independent evaluation of a property’s fair market value based on the sales price of comparable properties recently on the market, as well as on the home itself. If you need to borrow money for a home loan, an appraisal will be required by the lender. It’s ordered by the lender and paid for by the buyer. Appraisals are used by lenders to determine:

•   How much the home is worth

•   What interest rate the lender can give you

•   What down payment may be required

•   Whether or not you’ll be approved for the loan

At a glance, the major differences between assessed and appraised value can be summarized as follows:

 

Assessed Value

Appraised Value

What is it?

The value of your home subject to taxes

The market value of your home

Purpose?

To determine how much property tax you owe

To meet lender requirements for a mortgage loan or home equity line of credit (HELOC)

How is the value determined?

By a tax assessor

By an appraiser

Who pays?

Local government

Buyer 

How does it affect your money?

You could pay more or less tax based on how your property is assessed

Low appraisals could mean more money out of pocket to cover an appraisal gap, a higher interest rate when a higher loan-to-value ratio is calculated, or even denial of the loan

How Assessed Value Is Determined

Tax assessors determine the assessed value based on records of the value of your home when it last changed hands. They also look at a property’s size, location, age, condition, features, and comparable properties to come up with this number. Once the assessor determines the home’s value, any exemptions (discounts for one reason or another) are applied to your taxes from there. The assessed value is used to calculate property taxes each year.

For example, the state of Utah allows counties to exempt 45% of the home’s market value and tax on the remaining 55% for properties that serve as primary residences. A home with a $500,000 market value would be taxed at 55% of the value, or $275,000.

Recommended: How to Get a Home Loan

The Role of Local Tax Assessors

Property taxes are the main source of revenue for many government services, such as schools, police, and fire departments. The amount of property tax owed is determined by local tax assessors, who can use mass appraisal techniques for property evaluations of entire neighborhoods. Tax notices are typically sent out yearly with the changes in value and resulting change in tax owed. 

Note: Taxation can be complex and different for each local area. A common misconception is that taxes increase when your home value increases, which isn’t always the case. Taxing entities set the rates and may not be able to change the taxation rate unless it falls inside the bounds of tax laws. Moreover, if you have made significant improvements on your home since you purchased it, the assessed value may not reflect those changes. Sometimes local governments send property owners surveys to try to capture that information, asking them to disclose, say, new HVAC systems or newly finished basements.

Assessment Ratios and Frequency

The tricky part with taxes is homeowners typically don’t pay tax on the full market value of the home. They only pay taxes on the assessed value, which is a percentage of the market value. The percentage that you pay is called the assessment ratio — the percentage of your property value that is taxed. Assessments are typically updated yearly to reflect changing market values. 

The Appraisal Process, Explained

The appraisal process is different from the assessment process and is often seen during a home purchase or sale. It looks something like this:

1.    Get preapproved by a mortgage lender. You want to get preapproved so you’re pretty sure of the loan amount you could qualify for. You want to know your numbers in case you get thrown a curve ball with the appraisal, which affects how much the lender is willing to loan to you.

2.    Start shopping for a home in your budget — and one that you feel is worth what the seller is asking. One of the top questions when you’re shopping for a home should be, “Will this home appraise for the amount the seller is asking?” A low appraisal could mean the lender won’t approve the loan for the full amount you’ve requested and you may have to make up the difference out of pocket in order to purchase the home.

3.    Find a home and make an offer. The offer will typically include the contract with financing terms. This is important when it comes to the appraised value because if the contract allows for a financing contingency, then you may be able to exit the contract with your earnest money intact if the home appraises for significantly less than you agreed to pay.

4.    Send the real estate purchase contract over to the lender. If the seller accepts your terms and signs the contract, you’ll send over the contract to your lender. They’ll start processing the loan, which includes ordering an appraisal. 

5.    The appraiser will assess the property. Most appraisals ordered by the lender usually require an in-person inspection of the property, but it’s also possible that a desktop appraisal may be acceptable. A home appraisal waiver may also be possible. 

6.    Go through underwriting and close the loan. The loan will continue to move through underwriting and to the closing table if everything, including the valuation from the appraisal, meets the lender’s underwriting criteria. 

Factors Influencing Appraised Value

While the appraisal itself is an opinion of the price of the home, there are some key factors that influence it. Some of the things that hurt home appraisals (or help them) include:

•   Market conditions. What are other homes in the area selling for? How does your home compare with others in the area?

•   Size. Does the home have more square footage, garage space, or extra storage space? 

•   Location. Is the property in a desirable area? Are there nearby features, such as a golf course, that make the home more valuable? Is it in a well-regarded school district?

•   Age. How old is the property and how has it been maintained? 

•   Property condition. Are the structural components updated or in good condition? Has the property been recently renovated?

•   Landscaping and curb appeal. Is the site well kept and appealing?

•   Number of bedrooms and bathrooms. The number of bedrooms and bathrooms plays a large factor in the appraised value of the home. 

•   Heating and air conditioning. How is the home heated and cooled? Are the systems efficient? Outdated?

An appraisal is different from a home inspection, which you may also have when purchasing a property, and the appraiser and inspector will be looking at slightly different things. 

Recommended: Home Appraisal 101

Impact on Property Taxes and Home Purchases

Appraisals vs. assessments affect property values differently. Assessments will determine how much tax you’re charged. Appraisals affect how much money the lender is willing to loan you on a home purchase. 

But they aren’t the last word on what a home is worth. One issue that can arise in a high-demand, low-inventory housing market is appraisals not coming in high enough for the loan — the so-called appraisal gap. Housing prices can rise faster than comparable sales data reflects. As noted above, when an appraisal is low, you may need to make up the difference with your own personal funds. Renegotiating with the seller or finding another property are other options in this situation. 

The Takeaway

The key thing to remember with assessed value vs. appraised value is to keep your eye on the purpose of the valuation. What will the numbers be used for? A lower assessed value translates into lower taxes. A lower appraised value can affect how large a mortgage a lender will approve and, thus, a buyer’s ability to purchase a home. 

If you’re concerned about the value of a property, either because you’re making a purchase or because you are considering a home loan or a refinance, talk to a lender. The lender will be able to walk you through your options and answer any questions you have about the appraised value vs. assessed value of the home and how it affects your money. 

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

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FAQ

How often is a property’s assessed value updated?

Assessed property values are typically updated yearly. 

How do improvements affect assessed and appraised values? 

Each year, you’ll see an updated number from your tax assessor, which is usually adjusted based on fluctuating market conditions. Tax assessors can adjust the number based on any known improvements, but they’re not required to take a close look at your property every year. In many states, physical inspections only happen every five years, so you may not see an immediate increase in taxes unless you report improvements.

Are assessed values public information?

Assessed values are considered public information. When a property changes ownership, the information is recorded with your county. Information you could see in these records includes the name and address of the owner, a description of the property, the value of the property, land and improvements, how taxes are distributed to the different taxing units, how much tax is paid and the date tax is paid. 

Photo credit: iStock/jimfeng

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Are you looking for the best fall side hustles? Fall is a great season to start thinking about ways to make some extra money. With cooler weather and cozy vibes, it’s a great time to find new ways to make money. If you need extra cash for holiday shopping or want to save more, there…

Are you looking for the best fall side hustles?

Fall is a great season to start thinking about ways to make some extra money. With cooler weather and cozy vibes, it’s a great time to find new ways to make money. If you need extra cash for holiday shopping or want to save more, there are many side jobs that are perfect for the fall season.

Many of these jobs can be done from home or in your local area. The best part is, you don’t need a lot of experience or money to start. There are many ways to use your skills and free time to make cash.

Best Fall Side Hustles

Below are the best fall side hustles.

1. Work at a pumpkin patch

Working at a pumpkin patch is a fun way to make some extra money in the fall. Pumpkin patches usually hire seasonal workers, which means the job won’t last too long. It’s perfect if you’re looking for something short-term.

You could help customers pick out their perfect pumpkin, help in setting up displays, and ring up customers.

It’s usually busy on weekends, so you might have a lot of customers to help.

Check your local farms or community centers for job openings. They tend to start hiring before the season begins.

2. Participate in paid online surveys

Taking paid online surveys is a great way to make extra cash without much effort. You can do it from home, on your phone, or whenever you have free time. Companies need your opinions to improve their products and services, so they’re willing to pay for your feedback.

Paid online surveys can be a fun and easy side hustle. While you won’t get rich from them, they can definitely help you make a bit of extra spending money. Plus, they fit into your schedule whenever you have some spare time.

The survey companies I recommend signing up for include:

  1. Survey Junkie
  2. Prime Opinion
  3. Swagbucks
  4. Branded Surveys
  5. American Consumer Opinion
  6. Five Surveys
  7. PrizeRebel
  8. InboxDollars

I’ve done lots of surveys over the years, and what I like about them is that you can do them whenever you want – in the morning, at lunchtime, or before bed. You don’t need to follow a strict schedule, and they’re really easy to do.

3. Sell crafts on Etsy

If you love creating things, selling crafts on Etsy is a great fall side hustle. Many people go to Etsy to find handmade items that are unique and special. I shop on Etsy all the time and it’s because I know that I can find one-of-a-kind gifts on the site.

Fall is a perfect time to sell your crafts, and you can think about making items like wreaths, pumpkin decorations, or knitted scarves. People love decorating their homes for the season.

You can also try making Thanksgiving table decor or fall-themed wall art. These items are very popular and can sell quickly.

4. Work at an apple orchard

Working at an apple orchard can be a fun and rewarding side hustle in the fall.

Many orchards need extra help during the harvest season, which usually runs from late summer to early winter. You can find jobs picking apples, helping customers, or even working at a cider mill.

Most orchards pay by the hour or by the bushel, so you can earn a decent amount of money depending on how many hours you work or how fast you pick.

Check with local orchards or look online for job openings. Some places may have flexible hours, which is perfect if you’re balancing other commitments.

5. Dog walking or pet sitting

Dog walking is a fun way to earn extra money, especially in the fall. The weather is cooler, and both you and the dogs will enjoy the fresh air. Many people need dog walkers because they are busy or unable to walk their pets. This makes it a great side hustle for animal lovers.

You can make good money walking dogs, typically around $15 to $30+ per hour.

There are apps like Rover that connect you with pet owners who need help. Signing up is usually quick and easy, and I personally know dog walkers on Rover who make extra money (my mother-in-law as well as my sister!).

6. Tutoring kids

Tutoring kids can be a terrific fall side hustle. If you are good at teaching, it’s a great way to earn extra money. Many parents look for tutors for subjects like math, science, or reading.

Tutoring isn’t just for older kids. Younger children also need help with basic skills. And don’t forget, you can tutor in fun subjects too, like arts and crafts.

Tutoring pays well. Some tutors earn around $25 to $35 an hour, depending on the subject and their experience.

7. Rent a room on Airbnb

Renting a room on Airbnb is a popular side hustle in the fall. If you have an extra room, you can list it on Airbnb for travelers to book.

Of course, to start, you’ll want to check if short-term rentals are allowed in your area. Some cities have rules about this, so you don’t want to get in trouble for breaking any laws.

Then, you’ll want to get your room ready (make it comfortable with fresh sheets, towels, and clean up the area), take good pictures to display on Airbnb, and set a fair price.

8. Freelance writing

Freelance writing is a great fall side hustle from home. You get to write for different clients, which means your work can include articles, blog posts, website content, and more.

One of the top benefits of freelance writing is flexibility. You can work from home, a cafe, or anywhere you’re comfortable. This makes it easy to fit freelance writing into your fall schedule, whether you have other commitments or just want more control over your time.

Freelance writers can get paid per word or per project. Beginners might start at lower rates, but experienced writers can make good money. For example, writing a 1,000-word article might earn you $50 to $350 depending on your skill and the client.

9. Coach a fall school sport

Coaching a school sport in the fall is a great side hustle. You can share your love for the game while earning extra cash. Schools often look for experienced players to lead their teams.

This job usually happens after school, so it won’t clash with a regular nine-to-five job. You could coach sports like soccer, football, or cross-country.

10. Photography sessions

Fall is a beautiful time for photography. The changing leaves and glowing sunsets make perfect backdrops. If you enjoy taking photos, you can turn this hobby into a side hustle. Families, couples, and even pet owners love to capture memories with autumn colors.

I know many people who take family photo sessions in the fall, and I am actually trying to get one booked right now. The fall is a very popular time for photos, especially because many people use these pictures for holiday cards that they send out.

You can offer short, themed photo sessions. These are called mini-sessions and can last between 20 to 45 minutes. They are popular because they don’t take much time but still capture great moments (and are affordable for families).

You can promote your mini-sessions on social media or through local community boards. Show examples of your past work to attract clients, and even having a few props like pumpkins or cozy blankets can make your sessions even more special.

Recommended reading: 18 Ways To Get Paid To Take Pictures

11. Halloween costume shop

Starting around September, everyone starts thinking about Halloween. And, that includes costume shops!

These typically start popping up and usually last from around September to early November, so that means they need temporary workers.

They need workers to ring people up, stock the shelves, decorate, and more.

12. Virtual assistant

Being a virtual assistant is a fun and flexible way to make money. You can work from home, set your own hours, and choose who you want to work for. This side hustle can fit around your schedule, whether you want part-time work or a full-time job.

Virtual assistants manage social media, schedule appointments, handle emails, or do data entry. Basically, they help with any tasks that someone doesn’t have time to do themselves. This job is very important for keeping businesses running smoothly.

The pay for virtual assistants can be really good. Beginners usually start at around $15 to $20 per hour. With experience, you can make more, even reaching $50,000 a year or more. The more skills you have, the more you can earn.

I was a virtual assistant for several years, and it was a great side hustle. I learned many things by working for small businesses, and it was a great and flexible side hustle.

13. Social media management

Social media managers help businesses or influencers run their social media accounts, such as Instagram, Facebook, TikTok, or their YouTube channel. This includes creating posts, responding to comments, and analyzing engagement.

You don’t need a degree to do this job. Being good at social media and having some creativity can be enough. Small businesses usually need help, especially during busy holiday seasons.

14. Rake leaves

Raking leaves is a great way to earn extra cash in the fall. Many people don’t have the time or energy to do it themselves, especially if they have big yards or a lot of leaves.

You don’t need a lot to get started either with this side hustle idea. A good rake and sturdy bags are pretty much the essentials. You might also want gloves to protect your hands. Working in your neighborhood can be a smart move since you won’t have to travel far.

Timing is important and many homeowners want their yards cleared before the first snowfall. Letting people know early in the season can help you get clients (such as by posting flyers or making social media posts).

15. Become a rideshare driver

Driving for rideshare services like Uber or Lyft can be a great way to earn extra money. With this gig, you can choose your own hours and work as much or as little as you need, such as only during the fall months.

The pay can vary. Earnings might depend on your location, demand for rides, and tips from passengers. Some drivers also earn bonuses for completing a certain number of rides in a set time.

16. Gutter cleaning

Gutter cleaning is a great side hustle idea in the fall. With leaves falling, many homeowners need help keeping their gutters clear. Clean gutters prevent water damage to homes.

You don’t need much to start. A good ladder and some basic tools are usually enough, especially in the beginning.

17. Babysit

Babysitting is a great way to make extra income, especially in the fall when parents are busy with school routines and holiday planning. You can earn good money while working flexible hours that fit your schedule.

By babysitting, you can enjoy a flexible side hustle that fits around other responsibilities or activities you may have.

18. List your storage space

Do you have extra space in your garage or attic? You can make money by renting it out to others who need storage!

Many people look for storage solutions in the fall. They need space for their summer items like RVs, boats, and outdoor furniture, as an example. Listing your storage space can help them and put extra cash in your pocket.

You can use websites like Neighbor or Craigslist to list your space. These platforms make it easy to connect with people in need of storage.

19. Mystery shopping

Mystery shopping is a fun way to earn some extra cash and get free stuff. Here, you act like a regular customer while secretly noting down details about your experience. Companies hire mystery shoppers to check how well their services work.

You’ll find tasks like visiting restaurants, checking out stores, or making phone calls. Payment methods can be cash, gift cards, or reimbursements. Most shoppers earn about $10 to $50 per assignment.

One great company to start with is BestMark. They have lots of jobs like shopping at clothing stores or dining at restaurants. This is the secret shopping website that I have used many times in the past, so I know that they are real.

20. Firewood delivery

Firewood delivery can be a great way to make extra money in the fall. As the weather cools down, more people start needing firewood to keep warm.

Having a truck or trailer is important for transporting the wood. You can charge extra for delivery, making your service even more profitable.

Now, this isn’t an easy job. Loading and unloading firewood as well as chopping it is hard work. But, it can give you a way to make extra income in the fall.

21. Haunted house

One of the most fun fall side hustles is to find a job at a haunted house. Haunted houses usually start popping up in September, and many times they are in desperate need of workers.

Working at a haunted house can be really fun, and there are lots of different jobs you can do!

Some people work as actors, wearing scary costumes and makeup to scare visitors. Others work as guides, leading guests through the haunted house and keeping everyone safe. Makeup artists create spooky looks for the actors. Some people set up sound effects, lights, and special effects to make the haunted house scarier. There are also jobs for handling tickets, marketing, and other tasks to keep the haunted house running smoothly.

I have several friends who love working at haunted houses, and they’ve been doing it for years.

22. Seasonal decor installation

As the leaves change colors, many people want to decorate their homes for fall. If you have a good eye for design, you can make money by helping them set up seasonal decorations – this can include Halloween decorations and even installing holiday lights on a house for Christmas.

People are often busy preparing for holidays, so your service can save them time and effort. You can charge by the hour or by the project.

Frequently Asked Questions

Finding a fall side hustle can be easy and fun. From working at pumpkin patches to selling crafts online, there’s something for everyone. Here are some commonly asked questions about fall side hustles.

What are some easy side jobs to do from home during the fall season?

Taking online surveys is a simple way to make extra money. You can also sell crafts on Etsy. If you have a skill like graphic design or writing, freelancing can be a good option too.

Can you list outdoor activities that can earn money in the cold months?

Working at a pumpkin patch or an apple orchard can be enjoyable and help you make extra income. Dog walking is another great idea. These activities allow you to spend time outside while earning some extra cash.

What strategies can help a landscaper keep earning in the winter?

Landscapers can provide snow removal services, such as to homes and businesses. Another option is providing outdoor holiday decoration services. These strategies can help keep the income flowing even when it’s cold.

How can I make an extra $2000 a month?

Combining several side hustles can help you reach your goal of making $2,000 per month. You can take online surveys, sell crafts on Etsy, and work part-time at places like pumpkin patches or apple orchards. Diversifying your efforts makes it easier to hit your target income.

Best Fall Side Hustles – Summary

I hope you enjoyed this article on the best fall side hustles.

There are many ways to make money in the fall, such as working at a pumpkin patch or haunted house, answering online surveys, dog walking, tutoring, freelancing, and more.

Making extra money is great, and it can help you save for the holidays, stop living paycheck to paycheck, pay off your debt just a little more quickly, and more.

What do you think are the best side hustles in the fall?

Recommended reading:

Source: makingsenseofcents.com

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Are you looking for the best side hustles for moms? Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier. Whether…

Are you looking for the best side hustles for moms?

Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier.

Whether you need to make money to pay the bills, if you’re looking to save for a vacation, or if you simply want to save more money, there are many side hustles that may fit what you’re looking for.

I am a mom and I have done many of the side jobs listed below. Some can be part-time, others full-time, so there is probably something on the list below that can work for you.

Best Side Hustles for Moms

Below are the best side hustles for moms.

1. Blogging

Blogging is a great way for moms to make money from home. It is what I personally do so that I can work from home and spend more time with my daughter.

For me, blogging lets me travel whenever I want, work on my own schedule, make good money, write about topics I enjoy, and I really love having a blogging business.

I started Making Sense of Cents in 2011, and since then, I’ve made over $5,000,000 from my blog. When I began, I had no idea it would turn out to be one of the best jobs for stay-at-home moms. Now, I am extremely grateful for this – and it all started as a side hustle!

One way to earn money with a blog (and this is my favorite way) is through affiliate marketing. This means you recommend products and get paid when someone buys through your link. It’s like earning a commission for sharing products you use and enjoy.

Another way to make money is by placing ads on your blog. As your blog gets more visitors, you can earn money from the ads.

Writing sponsored posts is another option. Companies pay you to write about their products or services (it’s a good idea to choose products that you believe in and that fit your blog’s theme).

Blogging takes time and effort, but it can be very rewarding. You get to be creative, connect with others, and make money doing something you love.

You can learn more about how to begin in my free How To Start a Blog Course here.

2. Sell printables

Selling printables on Etsy can be a great side hustle for moms. You can make extra money by creating and selling digital items like planners, calendars, and worksheets.

All you need is a computer and some design software, and you can work on it at your own pace and from the comfort of your home.

You don’t have to spend any money to start selling printables either.

This is a great way to make money from home because you only need to create one digital file for each product, and you can sell it as many times as you want. You don’t have to print or ship anything. Instead, you create the digital file, and the customer downloads it and handles the rest after buying it from you.

You can learn more at How I Make Money Selling Printables On Etsy.  

Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

3. Proofreading

Proofreading is a great way to make some extra money from home. If you have an eye for detail, you can get paid to spot errors in text.

You don’t need a special degree to start proofreading. Many online companies hire beginners and this means you can get started without lots of experience. Plus, you can build up your skills and portfolio as you go.

The pay can vary. Some proofreaders earn $1,000 a month, while others make six-figure incomes. It depends on how much you work and your experience level. You can do this full-time or just as a part-time gig.

I know several proofreaders (who are moms) who started proofreading as a side hustle, and now it’s their full-time job. So, you can spend as little or as much time as you want growing this job.

You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).

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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.

4. Bookkeeping

Bookkeeping is a great side hustle for moms. It’s flexible and can be done from home.

Bookkeepers keep track of financial records for businesses. This includes recording transactions and balancing accounts.

Before you pass this by because you think you’re not qualified, you might be surprised to know that you don’t need to be an accountant or have any experience. Becoming a virtual bookkeeper is something you can learn from home.

You can learn more at How To Find Online Bookkeeping Jobs.

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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!

5. Print-on-demand

Print-on-demand is a great side hustle for moms.

You can create your own designs and sell them on items like T-shirts, coffee mugs, and tote bags. Websites like Etsy make it easy to set up your own shop.

There’s no need to buy supplies or handle shipping. The print-on-demand company (like Printify) takes care of that for you. This means you can focus on being creative and taking care of your family.

Many moms find this side hustle to be simple and rewarding. You can work on it during nap times or after the kids go to bed. If you love designing, this can be a perfect fit for you.

You can learn more at How I Make $1,500 Monthly With My Print-On-Demand Business.

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This freebie will teach you about print-on-demand as well as give you a list of 17 hot-selling products you can sell via print on demand.

6. Run a dog treat bakery

Starting a dog treat bakery can be a fun and profitable side hustle. You can begin this business right from your kitchen so it’s perfect for moms looking to make some extra money.

This side job can be very flexible. You can choose to keep it small and earn $500 to $1,000 a month. Or, if you have more time, you can scale it up and make even more.

You can learn more at How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).

Plus, you can sign up for this free training workshop that teaches you the small business plan for starting your own pet bakery.

7. Online survey taker

If you’re a mom looking to make some extra money from home, taking online surveys could be a side hustle.

Companies pay for your opinions on their products or services, which helps them improve and stay competitive. This side hustle is flexible, allowing you to fit it around your busy schedule, whether during nap times or after the kids go to bed.

No, you will not get rich taking surveys (this is not a lucrative side hustle, but it is very flexible!), but you may be able to earn around $50 to $100 per month by answering several surveys each week.

Surveys are almost always done online, and you’ll usually be answering multiple-choice questions or typing in quick answers about your daily life, like where you last shopped. To get started, you can sign up for several survey sites.

Some popular survey sites include:

  1. American Consumer Opinion
  2. Survey Junkie
  3. Swagbucks
  4. InboxDollars
  5. Branded Surveys
  6. Prime Opinion
  7. Five Surveys
  8. PrizeRebel
  9. IncomeFindr
  10. User Interviews

While some surveys pay just a few cents, others can pay up to $20 or more, depending on how detailed and complex they are. This makes it a convenient way for moms to earn a little extra income in their spare time.

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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.

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Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).

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Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.

8. Virtual assistant

A virtual assistant (VA) can do many tasks from home and this is a popular side hustle idea for moms. They may manage emails, set up appointments, create social media posts, handle customer service, and more. Many small businesses need help with these jobs.

Becoming a VA doesn’t require a lot of training. You just need good organizational skills and a reliable internet connection.

A big advantage of being a VA is flexibility. You can set your own hours and work when it’s best for you, so this makes it a perfect side hustle for busy moms.

You can learn more at Best Ways To Find Virtual Assistant Jobs.

9. Social media manager

Being a social media manager is a great side hustle for moms.

Many businesses need help with their social media accounts because they don’t have the time to keep up with posting and replying to messages, or they simply don’t have the expertise.

Tasks might include creating posts, scheduling them, and interacting with followers. Social media managers might also run ads and analyze their performance.

It’s a flexible job you can do from home, making it perfect for busy moms.

10. Affiliate marketing

Affiliate marketing is a great way for moms to make extra money.

With this side hustle, you promote products or services online. When someone buys through your link, you earn a commission.

You can get started by choosing products you like and trust. This makes it easier to talk about them. People will feel your enthusiasm and trust your recommendations.

Many moms start with their own blogs. You can write about things you know and enjoy. Topics like parenting, cooking, or fashion are good choices. You can add affiliate links in your blog posts where they fit naturally.

Social media is another place to use affiliate marketing. Sharing links on Instagram, Facebook, or Pinterest can reach a lot of people.

Affiliate marketing is flexible. You can do it at your own pace and schedule, so this is perfect if you have kids and need to work around their needs.

For me, I love affiliate marketing and I think it’s one of the best ways to make money online. I especially like how I can do work up front and make money years down the line from older blog posts. So, it is kind of like a form of semi-passive income.

If you want to learn more about affiliate marketing, I recommend signing up for Affiliate Marketing Tips For Bloggers – Free eBook.

11. Online tutoring

Online tutoring is a great side hustle for moms. You can teach different subjects from your own home and this flexible job allows you to set your own hours.

If you love math, science, or another subject, there are students looking for help. You don’t need to be a certified teacher, but having a good grasp of the subject is important.

Online tutoring also pays well. Average rates can range from $10 to $30 per hour, depending on the subject and your experience.

12. Pet sitting and dog walking

If you love animals, pet sitting and dog walking could be the perfect side hustle for you.

Pet sitting is when you look after a pet while the owner is away. This could mean feeding, playing with, and sometimes even staying overnight with the pet.

Dog walking is a bit different. You take dogs for walks, making sure they get exercise and fresh air.

Both of these jobs are flexible. You can take on as many or as few clients as you want. This makes it easy to balance with other responsibilities.

My husband’s mother is a dog walker and pet sitter on Rover (the popular dog walking app), and it always seems like she loves this side hustle. She really likes dogs, so it looks like fun to me.

You can learn more at 7 Best Dog Walking Apps To Make Extra Money.

13. Sell handmade crafts

Selling handmade crafts is a fun and creative way to make money as a mom. You can use your skills to create unique items that people love.

There are many types of crafts you can sell. Items like handmade jewelry, painted mason jars, or knit blankets can be very popular. If you’re good at sewing, you can make and sell upcycled clothing or custom pieces.

Selling classes or workshops is another option. If you’re skilled at a particular craft (like knitting), teaching others can be a rewarding side hustle.

You can learn more at 16 Best Things To Sell On Etsy To Make Money.

14. Transcribing

Transcribing is a great side hustle for moms working from home. This is where you transcribe audio files into text for clients.

To start, you only need a computer and good listening skills. Some companies hire beginners, so you don’t need experience.

The pay can vary. Some jobs pay per audio minute, while others pay per audio hour. Usually, though, you can make around $10 to $20 per hour.

Platforms like Rev, Scribie, and CrowdSurfWork are good places to begin.

Transcribing can be done at any time of day, making it flexible for moms. This makes it easy to fit around your family’s schedule.

You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.

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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.

15. Photography

Photography can be a great side hustle for moms, and I personally know a few photographers who have very successful photography careers and are also mothers!

This is something you can learn, such as by shadowing another photographer or by taking classes in person or online. As you get better, you can sell your services to others. Portrait photography is a popular choice, such as with taking photos of families, kids, or even pets.

Event photography is another option. Birthdays, weddings, and parties usually need a photographer.

You can also sell your photos online. Websites like Shutterstock or Etsy allow you to earn money from your images. This way, you can work from home and on your own time.

You can learn more at 18 Ways To Get Paid To Take Pictures.

16. Clean homes

Cleaning homes can be a good side hustle if you enjoy tidying up. Many people need help keeping their houses clean but don’t have the time to do it themselves.

You can set your own hours, making it easy to fit into your daily schedule. You can start by selling your cleaning services to friends and family. Once you get some experience, you can expand your client base.

You don’t need much to start. Basic cleaning supplies and a positive attitude can go a long way. You can also charge by the hour or by the job, whichever works best for you and your clients.

I know several mothers who clean homes in their free time, and they like how they can find homes to clean that fit into their schedule (so, it can be flexible!).

17. Baby equipment rental

Renting out baby equipment can be a great way for moms to make extra cash. Many mothers likely already have a bunch of different baby items at home, so they can make money with them when they are not being used.

Platforms like BabyQuip help connect you with families who need baby gear when they travel. You can rent out items such as strollers, cribs, car seats, and even toys.

You earn money based on how often your items are rented. The more popular the equipment and the busier the travel season, the more you could earn.

Some top providers make over $10,000 a month by renting out baby gear (at this level, they are definitely buying things with the sole purpose of renting them out, though, and not just renting out things they have just laying around their homes).

18. Book author

As a mom, becoming a book author can be a great side hustle. You get to share your stories or knowledge while working from home.

You can write about anything that interests you. Whether it’s a children’s book, a novel, or a guide on something you know a lot about, there’s a place for your work. You could even write romance novels!

Income from book sales can vary. New authors might see $0 to $500 a month, while experienced authors can make between $1,000 and $10,000 per month.

Writing a book does take time and effort. You might need to write during nap times, after the kids go to bed, or when they are in school.

19. Real estate agent

Becoming a real estate agent can be a great side gig for moms. You get to help people buy, sell, or rent properties. You can set your own hours, which is perfect for balancing work and family time. Plus, the more properties you sell, the more money you can make.

You can start part-time and grow your business as you gain experience. Real estate agents usually earn commissions, so your income can vary. It’s possible to earn a lot if you work hard and build good relationships with your clients.

20. Travel agent

Being a travel agent from home is a great side hustle for moms. You help people plan their trips, find the best deals, and book their vacations.

It’s ideal for moms who love to travel and know how to find great deals. If you have experience planning trips, this can be a rewarding way to earn money.

21. Freelance writing

Freelance writing is a great side hustle for moms, and I think it’s one of the most realistic jobs for stay-at-home moms. It lets you work from home on your own schedule, so if you love to write, this could be a perfect fit.

You can write many things like blog posts, articles, or website content. The pay can start from around $50 per article but can go up to over $1,000. As you gain more experience, you might earn even more.

One big advantage of becoming a freelance writer is the flexibility. You can work when your kids are napping or busy with activities. This makes freelance writing great for busy moms.

You don’t need a lot to start either, which is nice. A computer and internet connection are enough.

I have been a freelance writer for years, and I think it’s a great way to make money as a mom.

You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).

Time Management Tips for Moms

As you may have noticed above, there are a lot of different side hustles for moms.

But, how can you fit them into your already busy schedule?

I get it. Being a mom is hard work, and you may feel scattered already.

Managing time can be tough for moms who have a lot to handle. Here are some simple tips to help you stay organized and use your time wisely.

Creating a schedule

I recommend that you start by creating a weekly schedule. Write down everything you need to do, like work, family time, and personal tasks. You may want to use a planner or a digital app to keep it all organized.

Then, allocate specific times for your side hustle. It could be during your child’s nap time or after they’ve gone to bed. Consistency helps in sticking to your plan.

Don’t forget to schedule some “me time.” Whether it’s reading a book or going for a walk, taking breaks can help you recharge.

Review your schedule at the end of each week. Adjust what didn’t work and keep improving. This way, you’ll find a rhythm that suits you best.

Balancing work and family

Balancing work and family is important. I recommend that you set clear boundaries between work time and family time. Let your family know when you’ll be working on your side hustle so they can respect that time.

You may want to find activities for your children that don’t need constant supervision. This can give you pockets of time to focus on your tasks.

Another way is to prioritize tasks based on importance. Use to-do lists to keep track of what needs to get done. Tasks with tight deadlines should come first. For me, I have a constant to-do list on my phone, and I find that helps me remember everything as well as prioritize everything that I have going on.

To balance work and family, you will want to remember to have family activities. Movie nights or game days can strengthen family bonds and make up for the time you are working. Quality time with family is just as important as work.

Time management is about finding balance and being flexible. What works for one mom might not work for another, so keep adjusting until you find what works best for you.

Frequently Asked Questions

Below are answers to common questions about side hustles for moms.

How can moms make money on the side?

There are many ways for moms to make money on the side, such as starting a blog, selling handmade crafts, selling printables on Etsy, proofreading, bookkeeping, freelance writing, tutoring, dog walking, photography, and more.

What are some flexible ways for moms to earn money at home?

There are many ways for moms to earn money from home. They could start a bookkeeping business, sell online courses, start a blog, transcribe, or even work with print-on-demand services to sell custom-designed items.

Can you list creative side jobs for stay-at-home moms?

Some creative side jobs for moms include blogging, making and selling printables, baking (and selling) dog treats, graphic design, voice-over work, and starting a YouTube channel.

How do working moms find time for side jobs?

Working moms can find time for side jobs by finding small pockets of time during the day, like when the kids are napping or after they go to bed. Using a planner can help organize your time and set achievable goals to keep on track.

What’s the easiest side hustle for moms with no previous experience?

Taking online surveys or becoming a virtual assistant are great options for moms with no prior experience. These jobs are easy to start and require little to no training.

How can a stay-at-home mom make $2,000 a month?

To make $2,000 a month, a mom could sell multiple services like bookkeeping, proofreading, or selling a range of products such as printables and crafts. Combining several side hustles can help you reach this goal. Or, you could focus on a single side job and spend more time on it.

How can a SAHM be financially independent?

A mom can definitely become financially independent. This is possible by diversifying their income streams. They can sell products online, sell freelance services (like writing or bookkeeping), or even invest some time into building a successful blog or YouTube channel.

How To Find Side Hustles for Moms – Summary

I hope you enjoyed this article on the best side hustles for moms.

Finding the right side hustle can make a big difference for moms who want to earn extra money while still focusing on their families.

Many of the side hustles for moms above have a lot of flexibility, the chance to work from home, and the opportunity to do what you love.

Whether you start a blog, sell handmade crafts, or become a virtual assistant, there’s a side hustle that can fit into your busy life.

What do you think are the best side hustles for moms?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

The bachelor party decided to go to the casino. I happily went along for the ride. The behavioral finance nerd in me was ready to witness fascinating behavior. Gambling can certainly be entertaining, but it’s not financially savvy. As long as you know that, you’ll be ok – albeit a little lighter in the wallet.

This particular casino had an engaging “loss leader.”* They offered $15 in free casino credit to new gamblers. The scheme, of course, is cynical. They hope those free bets hook you, knowing that a regular gambler will surely lose back more than the free $15 over a long period of time.

*a strategy where a product is sold at a price below its market cost to stimulate other sales of more profitable goods or services.

And all it takes is one true addict to make up for hundreds of free giveaways. Like I said…cynical.

Most of our friends went to the blackjack table (where the per-hand odds are ~42% for the player, 50% for the house, and 8% ending in a tie), betting in their own cash on top of the free $15 credit.

My buddy, Trey, and I cheaped out. We took our $15 casino cards and went to the dollar slots. Let’s push some buttons and have free fun until the $15 disappears.

But we got lucky.

Trey turned his $15 into ~$80 of real money, and I left with ~$200. Our $30 in free credit became $300 real dollars. We counted our blessings and walked away. Appetizers are on us, fellas!

Meanwhile, the blackjack players ultimately played until their chips disappeared. They had fun but they lost their money. And yes – a few of them learned of our “success” at the slots and felt aggrieved by our dumb luck.

But if we look strictly at the financials, I see a clear takeaway:

  • Trey and I “played” in a way that was literally impossible to lose. As long as we didn’t succumb to any impulse to wager our own money, we had a 0% chance of losing. Granted, we got lucky to leave with gains. But we weren’t going to lose money.
  • The blackjack guys played in a way guaranteed to lose, barring any luck. The more hands they played – each a bet with odds against them – the more likely their loss.

It’s true – I’m not the most fun guy at the casino.

But implore you to apply a similar idea to your investing.

The Market Ain’t A Casino

First things first: the market isn’t a casino, and investing isn’t (or shouldn’t be) gambling.

I understand why it can feel that way, especially when we hear stories about GameStop, AMC, or Enron. Big bets, big wins, and big losses over short periods.

The market, as a whole, isn’t roulette, though. It simply represents the ownership of businesses—a small slice of the global economy that we each own. Owning a business is not the same as blind gambling. You’re not depending on dice or cards to fall your way.

Stock investing involves exchanging money today for the future income stream of a particular business. Or, in the case of a broad fund of stocks, the future income stream of the global economy. The economy doesn’t over- or under-perform based on dice or cards.

Investing in stocks – at least the way I implore us all to approach it – isn’t gambling.

Bets in the Market

But the stock market isn’t a guarantee, either. There will be times when we invest on Monday only to see our investments decline in value on Tuesday. In fact, the shorter our investment period, the more likely we’ll lose money.

I don’t want to play blackjack with my retirement. I don’t want to make coin-flip bets.

But the more the odds are in my favor, the more I’m willing to wager. In one of Berkshire Hathaway’s annual meetings, Warren Buffett says something akin to, “If you give me 5:7 odds, we’d be willing to wager a very large sum of money.”

FYI: That’s a ~58% chance of winning.

Personally, I don’t have enough extra money to make too many 58% bets. I’d much rather make 90% bets. Or even better, I’d rather bet with the casino’s money. I want to feel really sure that I’ll walk away a winner.

The longer you invest in the stock market, the more likely you’ll walk away with profits. That’s a wager I’m willing to make.

Some Bets I’m Willing to Make

As of writing this very sentence, the S&P 500 is at 5526.

Will the S&P 500 be higher or lower in one month? I don’t know, and I don’t care. I don’t want that bet.

Will the S&P hit 5626 (100 points up from now) before it hits 5426 (100 points down)? I don’t want that bet, either.

Both those bets—involving short periods and small changes (~2%) in the market—are too close to 50/50 bets. I’m not willing to take those odds. It’s too risky. That’s why, in my opinion, stock investing is inappropriate over short periods. One month, 6 months, even out a few years – stocks aren’t appropriate.

But will the S&P be higher or lower in 10 years? Or 20 years? Or more? I’m willing to make that bet, and it’s a sizable bet at that. I’ve got a lot of money on the line. I’m not sure it will pay off, but I like my odds.

Will the S&P hit 8300 (50% up from now) or 2750 (50% down)? I’m not sure. 50% declines do happen, but not too frequently. 50% increases are much more common. I’m an optimist on this one, too.

I care about long periods and steady compounded returns over those periods. The odds are clearly in the investor’s favor when looking at those time scales.

Those are some bets I’m willing to make.

Thank you for reading! If you enjoyed this article, join 8500+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week. You can read past newsletters before signing up.

-Jesse

Want to learn more about The Best Interest’s back story? Read here.

Looking for a great personal finance book, podcast, or other recommendation? Check out my favorites.

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Source: bestinterest.blog

Apache is functioning normally

Albuquerque, New Mexico, is a city that offers a unique living experience that blends natural beauty, cultural richness, and a slower pace of life. Nestled in the high desert, Albuquerque is a place where outdoor enthusiasts, food lovers, and creatives alike can find their niche. Read on to find out what to expect if you’re considering a move to the Albequerque area in 2024.

You know it from: Beerfest, Better Call Saul, Breaking Bad

Average 1 bedroom rent: $1,280 | Albuquerque apartments for rent, Albuquerque houses for rent

Average home price: $350,000 | Albuquerque homes for sale

Average cost of full-service moving services: $112/hr for 2 movers

Average cost to rent a moving truck: $19 – $39/day

Top industries: Construction, Manufacturing, Transport

Move here for: The natural beauty and outdoor recreation, the New Mexican culture, the affordability

Be sure to bring: Sunscreen and a water bottle

1. Albuquerque is a hub for outdoor enthusiasts

If you love outdoor activities, Albuquerque has you covered. The Sandia Mountains offer incredible hiking and skiing opportunities, while the Rio Grande provides scenic trails for walking and biking. The city’s proximity to natural wonders like Petroglyph National Monument and the Jemez Mountains makes it a playground for adventurers. Whether you’re into rock climbing, mountain biking, or hot air ballooning, Albuquerque delivers. Just remember, with great outdoor activities comes the need to stay prepared—always pack extra water and a hat for those spontaneous adventures.

2. Green or red? Get ready to pick your favorite chile

New Mexico is famous for its chile, and in Albuquerque, it’s not just food—it’s a way of life. The age-old question, “Red or green?” will greet you at almost every restaurant. Green chile tends to be slightly milder and more vegetal, while red chile offers a deeper, earthier flavor. If you can’t decide, just say “Christmas,” and you’ll get both! This spicy staple is featured in nearly every local dish, from enchiladas to burgers. 

Moving Tip: Living in Albuquerque means you’ll develop a strong opinion on your chile preference—consider it a rite of passage.

3. The high desert climate is no joke

Albuquerque’s climate is defined by its high desert environment, which means dry air, intense sunlight, and big temperature swings between day and night. Summers are hot, often soaring into the high 90s, while winters bring brisk days and chilly nights, sometimes dipping below freezing. If you’re not accustomed to desert climates, it can take some getting used to, but many locals come to appreciate the distinct seasons.

Moving Tip: The lack of humidity makes even the hottest days manageable, but newcomers should prepare for the sun’s intensity—sunscreen and hydration are daily essentials.

4. A car is a must

Unfortunately, Albuquerque’s public transportation system is not as comprehensive as in larger cities. The city bus system, ABQ Ride, covers the basics but doesn’t reach all neighborhoods effectively, and service can be infrequent. While there’s a push for more bike lanes and pedestrian-friendly spaces, having a car is pretty much essential if you want to get around efficiently. 

Moving Tip: The good news is that parking is generally easy to find, and the city’s layout is pretty straightforward. Just be prepared for occasional traffic on the interstates during rush hour.

5. The arts scene is thriving, especially for local creatives

Albuquerque is a hidden gem for artists and creatives. From the historic Old Town galleries to the funky shops along Nob Hill, the city fosters a deep appreciation for the arts. The Albuquerque Museum and the National Hispanic Cultural Center offer fantastic exhibitions, while the local theater and music scenes are vibrant and welcoming. The city’s unique blend of cultures is reflected in its artistic output, making it an inspiring place to live for anyone with a creative streak. Don’t be surprised if you find yourself attending more art shows and live performances than ever before.

6. The sunsets are spectacular and worth the hype

One of the perks of living in Albuquerque is the stunning sunsets that light up the sky almost every evening. The combination of the high desert landscape and the wide-open skies creates a canvas of colors that’s truly unforgettable. Locals never tire of these natural light shows. If you’re moving to Albuquerque, prepare to be spoiled by these daily displays of natural beauty.

Moving Tip: One of the first things on your post-move agenda should be taking in an Albuquerque sunset at the West Mesa or the Crest.

7. The food scene is deeply rooted in New Mexican traditions

Living in Albuquerque means embracing the flavors of New Mexican cuisine. Expect to indulge in dishes like carne adovada, sopapillas, and green chile stew on a regular basis. The food here is distinct from typical Mexican cuisine, with a focus on local ingredients and centuries-old recipes. Local favorites like Frontier Restaurant and El Pinto showcase the best of what Albuquerque has to offer. If you’re a foodie, you’ll find plenty to love about living here, but be warned—your tolerance for spice will definitely increase!

8. Albuquerque’s altitude takes some getting used to

Sitting at over 5,000 feet above sea level, Albuquerque’s altitude can be a shock for newcomers. The thinner air means you might find yourself winded more easily, especially when engaging in physical activities. It also means the sun feels stronger, and hydration is more important than ever. Altitude sickness isn’t common, but it’s something to be mindful of, especially if you’re coming from a much lower elevation.

Moving Tip: Give yourself time to adjust, and take it easy when you first arrive. Be sure to stay hydrated and wear high SPF sunscreen every day, even in the winter!

9. Albuquerque’s culture is a unique blend of influences

Albuquerque’s culture is shaped by a mix of Native American, Hispanic, and Anglo influences, creating a rich tapestry of traditions and celebrations. This blend is reflected in everything from the architecture and festivals to the everyday way of life. The city celebrates its diversity with events like the Gathering of Nations Powwow and the Mariachi Spectacular. This cultural mix makes Albuquerque a fascinating place to live, where history and modern life coexist in harmony.

10. The Balloon Fiesta is the world’s largest and happens every October

Albuquerque is globally known for the International Balloon Fiesta, the world’s largest hot air balloon event. Every October, the city’s skies fill with hundreds of colorful balloons, drawing visitors from all over the world. It’s a spectacle like no other, offering breathtaking views and a chance to experience the unique charm of the city. It’s an amazing experience, but if you’re planning to move here, prepare for the city to be a bit hectic during Fiesta week.

Moving Tip: This event does mean traffic jams, fully booked hotels, and crowded streets so plan accordingly!

11. The city is surprisingly affordable

One of Albuquerque’s biggest draws is its affordability. Compared to other cities in the Southwest, Albuquerque offers a lower cost of living without sacrificing quality of life. Housing prices are reasonable, and there’s a good mix of options from historic homes in Barelas to modern apartments in Uptown. Utilities, groceries, and other essentials also tend to be more affordable here, making it a great choice for those looking to stretch their budget further.

12. Be ready for a slower pace of life

Life in Albuquerque moves at a slower, more relaxed pace compared to larger metropolitan areas. This laid-back vibe is part of what makes the city charming, but it can be an adjustment if you’re used to the hustle and bustle of a big city. People here tend to take their time, and it’s not unusual for things to run on “Albuquerque time.” For some, this can be refreshing and stress-reducing, but for others, it might require a bit of patience.

Methodology: Average rent prices sourced from Rent.com August 2024. Home prices sourced from Redfin August 2024. Average moving costs sourced from MoveBuddha. Employment data sourced from City Data.

Apache is functioning normally

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:

Understand how first-gen Americans can achieve financial success with tips for balancing cultural obligations and wealth-building strategies.

How can first-generation Americans grow their wealth and protect their money? How can you set financial boundaries with family and friends while staying committed to your long-term financial goals? Hosts Sean Pyles and Kim Palmer discuss the unique financial challenges faced by first-generation Americans and immigrant families to help you understand strategies for achieving financial independence. They begin with a discussion of tips and tricks on managing dual financial pressures of supporting oneself and one’s parents and breaking cycles of poverty through self-compassion and financial education.

Jannese Torres, host of the personal finance podcast Yo Quiero Dinero, joins Kim to discuss the importance of building a strong financial support network tailored to individual needs. They discuss strategies for identifying trustworthy financial advisors, setting and maintaining financial boundaries with family and friends, and gracefully declining costly invitations in favor of ensuring long-term financial success. This episode is essential listening for anyone navigating cultural and familial obligations while striving for financial independence.

Check out this episode on your favorite podcast platform, including:

NerdWallet stories related to this episode:

Episode transcript

This transcript was generated from podcast audio by an AI tool.

Sean Pyles:

Welcome to NerdWallet’s Smart Money podcast. I’m Sean Pyles.

Kim Palmer:

And I’m Kim Palmer.

Sean Pyles:

On Smart Money, we are all about answering your money questions, and today we’re tackling an important one: How can first-generation Americans grow their wealth and protect their money? Kim, in her role as the host of our regular book club series, is here to guide the conversation. So Kim, who are you talking with?

Kim Palmer:

I am speaking with Jannese Torres, author of the new book, Financially Lit!: The Modern Latina’s Guide to Level Up Your Dinero & Become Financially Poderosa. She is also the host of the personal finance podcast Yo Quiero Dinero, and we are joined by my fellow Nerd Melissa Lambarena, a writer on the credit cards team, who also serves as an English and Spanish language spokesperson here at NerdWallet.

Sean Pyles:

Sounds great. Well, I will let you all take things from here.

Kim Palmer:

Great. Thank you. Jannese, thank you so much for joining Melissa and me today.

Jannese Torres:

Thank you so much for having me. Excited to be here.

Kim Palmer:

Let’s start with what’s unique about money for first-generation Americans and immigrant families. You write about how money is often not talked about, for example. Can you share some of those financial challenges that first-generation Americans often face?

Jannese Torres:

Absolutely. So I think at its core, it can start with something as simple as the language barrier. For many first-gen kids, we could be the family translators, oftentimes in financial situations. And so it’s not uncommon for us to take on the responsibility of helping our parents file their tax returns, navigate balancing a checkbook, or any number of other financial tasks that, for folks who can speak English, it’s just so much easier to do that.

So that’s one thing. But then I think there’s a lot of, maybe I would call them cultural nuances, that make the financial industry and first-gen communities kind of be at odds in a way. And I think some of that comes from the fact that there is this lack of culturally competent education and information oftentimes. It’s really even really hard to find alternate language content from a banking institution or a financial institution.

And also, there’s a lot of trauma associated with finances, especially if your parents have come from another country where maybe the economic situation is not as stable. There’s a big mistrust of financial institutions. So a lot of those things can compound in a way that make us very fearful of money and also the institutions that control it.

Melissa Lambarena:

I can definitely relate to that as a first-generation American, having to help my parents with a lot of these, figuring out different documents and a lot of these financial questions. Another thing that impacts us is that we might have to save for our own future, but also support parents who lack retirement savings in the present. And this is something that you talk about in your book. What do you see or want for people who find themselves in this situation?

Jannese Torres:

Well, I think first off, it requires a lot of self-compassion because what I find is there can be a lot of resentment and frustration amongst first-gen kids who feel like, well, why didn’t mom and dad do better? And it’s like we have to have the context and understand that they couldn’t do what they didn’t know. It’s not like financial literacy information is pervasive regardless of where you’re from, but especially when you’re from an immigrant community.

And so I like to refer to the oxygen mask analogy, for especially first-gen kids, because at the end of the day, the foundation that you are building as a wealth builder is only going to be as stable as you make it. If you overextend yourself or just find yourself continuously helping everybody else, but at the expense of your own future self, then it’s just going to perpetuate this cycle of poverty and struggle and feeling like we keep working towards a goal that we never actually achieve.

So I do recommend that folks prioritize their own financial stability. But then also, if you know that you’re going to be in a position to have to financially take care of someone, start having those conversations early and often so that you can start to understand the scope of what that’s going to look like and then make a plan accordingly.

Kim Palmer:

In the foreword of your book, it notes that a lot of personal finance publishers really have a blind spot, and they’re mainly writing for wealthy, white older readers. When did you realize the need for a podcast and a book like yours, and what kind of questions do you get from listeners that they might not hear anywhere else?

Jannese Torres:

I’ve been consuming personal finance content since 2016. And after about three years, I realized that the voices just didn’t 100% resonate with my lived experience as a first-gen Latina. And so that’s when I decided to stick my foot in and decide to launch the podcast, which inevitably led to my opportunity to write this book.

It’s definitely been inspired by the numerous conversations that I’ve had on the podcast where folks feel a lot of imposter syndrome for wanting wealth, a lot of fear because there is that lack of knowledge and a lack of trustworthy resources that we can go to, to learn more about this information. And I have found that it really moves the needle when people can hear stories from folks that they can resonate with.

And that’s why I think it’s so important to have that cultural context when we’re talking about money. Because for example, I think a lot of the mainstream personal finance content is very individualistic-based, especially here in America. Whereas for a lot of communities of color, it’s not unheard of to have multigenerational households where people are contributing collectively towards financial goals.

And just the idea of the bootstraps narrative and picking yourself up and working hard, but just for yourself, it doesn’t really align with how we operate most often in our communities.

Melissa Lambarena:

And financial trauma is something that you approach in your book that is often not seen across many personal finance books. Is this something that is left out of other personal finance books, and how can people get to the root of their financial trauma to make progress on their financial goals?

Jannese Torres:

I mean, I think the whole conversation around mental health and money is something that it needs to be more prevalent. Because I’ve found time and time again that it doesn’t matter if you tell somebody what they should be doing, whether it’s budgeting, saving, or investing — if they have mental health issues and financial trauma, that is going to prevent them from taking those steps. And so getting to the root of your money beliefs is a critical part of this whole journey.

For me, it was really important to include that information in the book. One of the things that I do is I walk readers through understanding where those narratives that we have internalized come from. If you have a perception that wealth is somehow intrinsically bad or immoral, did you grow up in a household where maybe that was the messaging from a religious aspect? Or did you see your parents fighting over money, and so it makes you afraid to talk about it with your partner? All of those things are subconsciously impacting how we operate with money, and I think it’s important for folks to have that context because oftentimes there’s just this shame and guilt that we feel about us not being able to make progress. But you have to understand why you feel the way you do about money before you can start to change those narratives.

Kim Palmer:

I totally agree. I’m so glad that we’re having those conversations more now. I don’t know if you’ve noticed this too, but I do feel like in the personal finance space, people are willing to talk about the mental health side of things more. It seems like something that’s coming up more often.

Jannese Torres:

Absolutely. I think there is less of a stigma when it comes to just talking about mental health in general, but I think that has not necessarily been at the same pace depending on where you’re from. I think for especially communities of color, there still is a lot of stigma about first talking about mental health and then letting folks know that you might be working with a therapist.

So I think the more that we normalize these conversations, the less they’ll be taboo, and the more open that people can be. Because you often realize once you start talking to other folks, there’s a lot of people that are going through the same exact emotions, and it just helps you feel less alone when you know that there are safe spaces where you can talk about this.

Kim Palmer:

Yes, absolutely. You also write about the importance of making yourself more financially secure with multiple income streams. And I love your personal story with this, how your side hustle started with a blog. So I’d love if you can share how your own side hustle helped you after an unexpected job loss and why it’s so important to have those multiple income streams.

Jannese Torres:

So I consider myself an elder millennial. I graduated about six months before the Great Recession. And so even though I went to school and got a degree in order to “get the stable job,” I did not experience that as soon as I got into the workforce. I found a lot of folks having unexpected layoffs.

And seeing especially people who had dedicated 20, 30 years plus to a company and be walked out the door with nothing more than a thank you and a box to collect their things, I think that for me was a very jarring realization at a young age that maybe it’s just not so stable out here in the corporate world. I always had that in the back of my head that I did want to diversify my income.

And then when I got laid off in January of 2014, it was confirmation of all these feelings that I’d had about just not putting all your eggs in one basket when it comes to your financial stability. I had been dabbling with content creation with the blog in early 2013. And when I got laid off, I took a couple of months. Instead of rushing back to get another job, I decided to double down and really learn on how you could turn an online content-based blog into an actual business.

And so I started learning about things like affiliate marketing and brand partnerships and how do you put ads on your website. And so that led me down a rabbit hole of entrepreneurship, which led me into the personal finance space. It’s been a really interesting experience seeing how you can have the power to create your own income streams just with ideas that you come up with with your head.

I like to encourage folks to really take a look at their skill sets, whether those are personal or professional skills, and see how you can turn them into a side hustle. Because at the bare minimum, you’ll be able to make extra money to pay off debt or save and invest. Best-case scenario is you might be building your new career.

Kim Palmer:

For sure. And then, as you found, if your main job source or source of income disappears, you have that to fall back on.

Jannese Torres:

Absolutely. There’s just a sense of power that comes from knowing that nobody can mess with you financially, especially if you have different ways of making money.

Kim Palmer:

Yes, I love that.

Melissa Lambarena:

I think a lot of our listeners are going to be inspired by that story. It’s important to stay aware and just read up on what other people are doing out there. And on that note, some people might not want to quit their job if they enjoy what they do or they like having that security of a full-time job. In that situation, what are some options that people may have to create multiple income streams, and have you stumbled upon any success stories throughout your work?

Jannese Torres:

Well, I think that at the bare minimum, we should all be using some of our disposable income to invest. Because when it comes to making that sexy passive income that everybody wants to make, that’s the easiest way to do it. Creating an additional income stream through dividend investing and through capital gains, that’s number one. If you don’t have access to an investment account through your job, anybody who has earned income can open a traditional or a Roth IRA.

So just think about what those options are for you. It doesn’t have to be that you’re building a business. There’s folks who decide to purchase real estate, and that’s how they create a secondary income stream. There’s folks who decide not to buy physical real estate, but they can invest in REITs or real estate investment trusts and be getting paid monthly rental income just by being an investor.

There’s other ways to make money versus just starting a business. But I think it’s just, like I said before, not put all your eggs in a basket. And at the bare minimum, I think it’s really important, especially in this uncertain time that we’re living in, to think about bulking up your emergency funds just because it is taking longer for folks to find jobs if they do get laid off. And knowing that you don’t have to take the first offer and you have room to breathe and figure out what your next steps are, I think that’s something everybody should be thinking about.

Kim Palmer:

You also write about the importance of creating a support network for people when it comes to their money. Can you explain what exactly does that look like? How can we create that support network?

Jannese Torres:

Absolutely. So I did find myself at various points of my personal finance journey feeling unqualified to make decisions, whether it was thinking about am I ready to leave my job and take on entrepreneurship full time, or how do I start investing on behalf of my family, knowing that I want to be able to help them financially? And so in those scenarios, I needed a second opinion and I started working with a certified financial professional.

I’ve worked with an accountant now through my business. I have an attorney. So there’s different folks who are experts in their field who are going to be able to help you navigate moments where you just don’t feel like you have all the information that you need. And I think it’s important to know that you don’t have to figure all of this out alone, and oftentimes you probably shouldn’t.

Like in the case where I was thinking about creating an estate plan, I did not feel comfortable taking on some DIY template and hoping that that was going to pass the bar in the event that I needed to use it for legal purposes. And so in that instance, I decided to seek out an estate planning attorney to help me figure that out. So I think it’s just important for you to know there are people out here who can help answer these questions so that you don’t feel this overwhelming pressure to figure it all out yourself.

Kim Palmer:

For sure. One thing you write about, too, though is that it can be hard to know who you could trust, and you talk about the importance of boundaries and what to do when family members ask you for money. And today on social media, when there’s people who call themselves experts talking about all kinds of things, how do you decide who you can trust in this scenario when you’re trying to build your own support network like that?

Jannese Torres:

I think it’s important to trust, but verify. So not just taking all of your information from a single source. There’s so many different places to learn about personal finance that I like to diversify my education the same way that I like to diversify my income. Doing your due diligence, making sure that you are researching somebody just to understand what information is out there about them.

When we’re talking about financial professionals, there are certification boards and different places that you can look for, making sure that they are still in good standing. I like referrals too. There’s something about working with someone who has a direct relationship with someone that you know. That can be a good strategy. Also, going online and searching for reviews.

There’s no such thing as too much research when it comes to figuring out who you can trust. And I like to think that people naturally reveal themselves after a certain amount of time, so be on the lookout for that too.

Kim Palmer:

Yes. I like that phrase that you used about diversifying your education and your sources. That makes a lot of sense.

Melissa Lambarena:

It’s also important to gather support for your financial goals, and that’s something that you talk about in your book. Some family members or friends may not understand what we’re trying to do, and setting boundaries around money can help you fulfill those goals that you might have, whether it’s to save or get out of debt. What are some ways that you’ve had to navigate this and what advice can you share with our listeners?

Jannese Torres:

I think the first thing is to understand that it’s not going to be very productive to ask someone for directions to a place that they’ve never been. When I say that, I mean, if you were the first person to be investing in the stock market, it’s probably not going to be very productive to talk to your family about this if nobody’s doing it. And so just the idea that you can create your own community of support, I think it’s an important thing to consider.

Because most often we look to the people that we already know to validate what we’re trying to do and to understand, and it’s not necessarily their job. It’s your job to understand the mission that you’re on and then to rally the troops, if you will, create community, whether that’s in person or online. I have found an incredible community of entrepreneurs who support me from all over the world online.

And it’s the same thing with being a first-gen wealth builder. When you start talking about this stuff, you’ll naturally find the people who are aligned with where you are and where you’re trying to go. And so I think it’s just important that you don’t necessarily limit your scope for creating that community amongst the people that you already know. It might require you to be in new spaces and have conversations with new people.

Melissa Lambarena:

What about when it comes to setting boundaries around money? When family members say they want to go on vacation or those weddings come up or holidays, how do you navigate that in a culture that sometimes isn’t used to talking about money at times?

Jannese Torres:

Those scenarios are absolutely challenging. I don’t want to make it seem like it’s not going to be difficult to stand up to the people that you love and say, “You know what? I just can’t swing this. I’m working on other goals and this is just not at the top of my list.” You’re going to have to be okay with people not getting it. And unfortunately, sometimes that’s going to mean maybe offending somebody.

But at the end of the day, we have to develop a thick skin when it comes to staying true to what our values are and understanding that this short-term sacrifice is going to then allow you to potentially be in a position in the future where you can splurge, where you can actually be the one that’s treating your family to these awesome experiences because now you’ve put yourself in a financial position to be able to do so.

I think it’s just important to maintain that long-term perspective and to understand that not everybody’s going to get it, but it’s not necessarily for them to get.

Kim Palmer:

Yeah, and that’s really motivating too. I wanted to delve into some of your specific tips and why they matter. So I picked out a few to highlight. First, your practice your salary negotiation script idea. I love this one because it’s something my own dad also told me about. So tell us why that’s so important and why it can be helpful.

Jannese Torres:

Yeah. Well, at the end of the day, negotiation is an art form. It is a skillset that you have to hone in. You have to work it just like a muscle. And so I think oftentimes when folks even start thinking about negotiation, it’s usually in the context of a salary or a promotion. And that can feel very life or death for some people. It’s like, oh my god, if this doesn’t go right, what’s going to happen? And so I like to encourage folks to start with the basics.

Calling up your credit card company and seeing if you can negotiate a lower interest rate, or when your renewal term is coming up for a streaming service and they want to double your rate, give them a call and say, “You know what? I can’t do this. I’m only going to stay on if you guys can match the introductory rate that I already had.” You’d be surprised how often companies want to retain you as a customer and are willing to make those negotiations.

And so the more comfortable that you get with those small things, when there are bigger things at stake, whether that’s negotiating the price of a car or a house or your salary, you’re going to have more practice and you’re going to have more confidence because you’re going to have more of those wins under your belt.

Kim Palmer:

Yes, that is so true. The second one I wanted to highlight is applying the 50/30/20 budgeting rule. At NerdWallet, that’s also something that we talk about a lot. Can you explain why it works so well?

Jannese Torres:

Well, I think it’s a good baseline for a lot of people to understand where they should be with regards to their fixed and their variable expenses, as well as their savings goals. Now, the thing that makes it an eye-roll situation for a lot of people is depending on where you live, those percentages can be wildly different. If you live in a very high-cost-of-living area, it’s not uncommon for you to be spending 60, 70, maybe even 80% of your income on those fixed expenses.

And so I think it’s a good baseline for folks to set up their first budgets, but I don’t think that you should let it discourage you if you have to tweak those parameters. Because at the end of the day, budgeting is just like personal finance. It really is an individual-based journey, and you have to figure out the system that works best for you.

Kim Palmer:

And finally, you say create sinking funds, which I don’t think everyone is familiar with that term. So can you explain how sinking funds work?

Jannese Torres:

Sure. I love a good sinking fund, and I had no idea what they were until I started down the rabbit hole of personal finance. And essentially, you’re just creating buckets of money for specific purposes. I think most folks are familiar with an emergency fund, and an emergency fund is just a type of sinking fund that you’re saving specifically for emergencies. But I encourage people to think about all of those goals that you have, whether that’s buying a home or upgrading your car or taking a luxurious vacation.

We can create sinking funds for all of these different goals that we have, and that way your money is clearly earmarked for that purpose. It’s easier to see when you’re making progress towards those specific goals instead of having all of your savings in one pot and then hoping that you have allocated enough for all of the things that you want to do. There’s something very visual about being able to track your progress for those individual goals that makes it much easier for a lot of people to maintain that momentum versus just having a pot of money with no designated purpose.

Kim Palmer:

For sure. And also helps you stay organized, I think, and just make sure you’re on track.

Jannese Torres:

Absolutely.

Kim Palmer:

Well, thank you so much, Jannese. Do you have any closing thoughts to share with our listeners?

Jannese Torres:

Well, I like to always remind folks that personal finance and getting your money stuff together is a journey. It is a marathon. It is not a sprint. And so the best thing that you can do is just be a perpetual learner, a continuous student, and never be afraid to ask a question because this world is changing so often, so rapidly. So keep learning, keep growing, and keep applying what you learn.

Kim Palmer:

That is the perfect note to end on. Jannese Torres, thank you so much for joining us on Smart Money.

Jannese Torres:

Thanks so much.

Kim Palmer:

And that’s all we have for this episode. To share your thoughts on money, shoot us an email at [email protected].

Sean Pyles:

Visit nerdwallet.com/podcast for more info on this episode. And remember, you can follow the show on your favorite podcast app, including Spotify, Apple Podcasts, and iHeartRadio to automatically download new episodes.

Kim Palmer:

This episode was produced by Sean Pyles, Melissa Lambarena, and myself. Tess Vigeland helped with the editing. And a big thank you to NerdWallet’s editors for all their help.

Sean Pyles:

And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.

Kim Palmer:

And with that said, until next time, turn to the Nerds.

Source: nerdwallet.com

Apache is functioning normally

If you want to earn extra money from home, did you know you can get paid to type? There are websites and companies that pay people to do typing jobs like transcription, data entry, and captioning. These jobs are great for anyone who likes to type and wants a flexible schedule. Whether you type quickly…

If you want to earn extra money from home, did you know you can get paid to type? There are websites and companies that pay people to do typing jobs like transcription, data entry, and captioning. These jobs are great for anyone who likes to type and wants a flexible schedule.

Whether you type quickly or just want to use your typing skills, there are opportunities for you. By checking out different websites that have typing jobs, you can find something that matches your skills and what you like to do.

Plus, since remote work is becoming more common, you can do these typing jobs from home, giving you the freedom to work when and how you want.

I have personally been getting paid to type for over 10 years now, and I think it’s one of the best ways to make an income (especially if you want a job where you work alone) – I get to work from home, I have no commute, I have a flexible schedule, and I love what I do!

Best Sites That Will Pay You To Type

Below are several sites that will pay you to type from home.

1. Amazon Mechanical Turk

Amazon Mechanical Turk (MTurk) lets you earn money by doing simple online tasks. You can sign up as a worker and pick tasks, known as Human Intelligence Tasks (HITs).

Tasks vary, and you may be able to find jobs related to transcription, writing, market research, labeling pictures, collecting data, and more.

You can search through many available tasks and choose the ones you like the most. Once you complete a task, your work gets reviewed. If it’s approved, you get paid. The pay for most tasks is small, usually between $5 and $10 per hour.

MTurk is flexible. You can work as much or as little as you want, so it’s a good option if you want to work from home or need a side hustle and you are wanting to find online typing jobs. Plus, you can work from anywhere with an internet connection.

2. TranscribeMe

TranscribeMe is a great option if you want to earn money typing with transcription work. It allows you to work from home and on your own schedule.

You don’t need experience to start with TranscribeMe. Anyone can join and start making money.

TranscribeMe pays about $15 to $22 per audio hour, and the average person makes around $250 a month on this site.

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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.

3. Rev

Rev is a popular website where you can get paid to type. You can work as a transcriptionist, captioner, or translator. It’s a flexible job that lets you work from home.

To start, you’ll need good English skills, a computer, and a reliable Internet connection.

The average person on Rev makes around $156 per month.

4. Upwork

Upwork is a good platform if you want to get paid for typing. This site connects freelancers with clients looking for different services, including typing jobs. You can find data entry, transcription, and even writing gigs on Upwork.

To get started, you’ll need to create a profile where you mention your typing skills, experience, and any relevant qualifications.

Applying for jobs on Upwork is easy. You just browse through the open jobs and submit proposals for the ones you are interested in (and make sure your proposals are personalized and highlight why you’re the best fit for the job).

5. Fiverr

Fiverr is a popular freelance marketplace where you can get paid to type by listing your services.

The services you provide can include data entry, transcription, freelance writing, and more – you get to decide.

You set your rates and wait for clients to hire you. The better your profile, the more likely you are to attract clients. Many freelancers start with lower rates to build up their reviews.

6. Babbletype

Babbletype is a company that hires freelancers for transcription and translation services.

You can work with Babbletype as a transcriptionist if you have strong language skills and can listen carefully. They are very selective in hiring, so you need to be good at what you do.

7. Clickworker

Clickworker is a great way to earn money by typing. You can do small tasks called microjobs. These tasks can be writing, translating, or data entry. You set your own hours and work from any computer with internet.

8. Microworkers

Microworkers is a platform where you can make money by doing small online tasks, such as typing jobs to data entry.

Signing up is easy and free, and once you register, you can choose from a list of tasks.

The tasks on Microworkers are usually quick to complete. You might find listings where you write short articles, fill out forms, or do some data entry. Most tasks pay a few cents to a few dollars.

9. FlexJobs

FlexJobs is a site for finding remote typing jobs. You can find many different typing gigs, from data entry to transcription. It’s good if you want to work from home and have good typing skills.

One cool thing about FlexJobs is that they screen their job listings. This means you only see legitimate opportunities. They do charge a subscription fee, but many users find it’s worth it for the quality of jobs.

10. GoTranscript

GoTranscript is a way to get paid for typing skills. This platform needs to fill online transcription jobs, where you listen to audio recordings and type them out.

You can earn around 84 cents per audio minute when freelancing on this site, and some top earners can make around $1,000 per month.

11. CastingWords

CastingWords is a popular platform where you can get paid to type. It’s a transcription service that lets you work from home and all you need is a computer and internet connection.

The pay varies depending on the quality of your work. You can earn between 8 cents and a bit over $1 per audio minute. Your grade determines how much you get paid.

12. Freelancer

Freelancer is a website where you can sign up and create a profile that displays your typing skills and the types of jobs you are looking for.

Clients can then browse profiles and find a freelancer for the job that they need done.

13. Scribie

Scribie is a platform where you can earn money by transcribing audio files. It’s perfect if you want flexible work that fits your schedule as you can choose when to work and which files to transcribe.

At Scribie, you’ll listen to audio recordings and type what you hear. This might include phone calls, interviews, or podcasts. Your earnings range from $5 to $20 per audio hour.

14. Hollywood Transcriptions

Hollywood Transcriptions is looking to hire for transcription work, captioning, and translation. They are looking for people who can type at least 65 words per minute and have excellent spelling and grammar skills.

To freelance for this company, you just need a computer, a foot pedal, and high-speed internet.

Best Jobs That Will Pay You To Type

Typing jobs can be a great way to earn money from home. In the previous section, we talked about the best sites where you can find typing jobs. Below, I want to talk about jobs where you can get paid to type.

Here are some popular options to get paid to type.

15. Start a blog

Starting a blog can be a fun way to make money by typing. You can write about anything you enjoy. Some people write about travel, food, or their hobbies.

I am a full-time blogger and I spend most of my day typing. I type blog posts (like this one that you are reading right now), I type emails, I type so that I can research, and more.

I created Making Sense of Cents in 2011, and since then I have earned over $5,000,000 with my blog. And, the majority of the work that I do is typing!

You can learn more at How To Start A Blog FREE Course.

16. Proofreader

Proofreaders check for grammar, spelling, and punctuation errors in writing such as books, articles, blogs, advertising copy, and more.

Proofreading can be a flexible side hustle or even a full-time job. You can work from home, set your own schedule, and choose the projects you want to work on. Plus, if you love reading and spotting errors, it might be a job you actually enjoy!

The demand for proofreaders is high because so much content is created every day. Many companies and writers need their work to be polished and error-free.

I have a wonderful proofreader for my blog (yes, Making Sense of Cents!). Even though I type all day long, I make plenty of mistakes and my proofreader helps to improve the quality of my content.

You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).

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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.

17. Transcription

As you probably noticed earlier in this article, a lot of the sites that will pay you to type are transcription sites.

Transcription involves listening to audio or video files and typing out what you hear. Being a transcriptionist can be a good job if you’re looking for flexible work because you can set your own hours and work from home.

Transcriptionists can make around $10 to $20 per hour.

There are different types of transcription jobs: general, medical, and legal. General transcription usually pays less but is easier to get into. Medical and legal transcription may require special training but usually pays a little more.

You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.

18. Review books

Book reviewers can get paid to type at home by writing reviews for books they’ve read.

There are websites that will pay you to review books, and the payment varies by site. But usually, you get paid in cash through PayPal or bank transfer, or you might get a free book for your review.

Here are some book review sites to start with:

  • Kirkus Media is one place where you can get paid to review books. They review books in many genres and pay for honest reviews.
  • Reedsy Discovery is a site where you can review books before they are published. Authors pay for these reviews, and you get a tip from readers who appreciate your work.
  • Online Book Club also pays for book reviews. You start by receiving a free book, and after that, you get paid for each review.
  • BookBrowse focuses on genres like young adult, nonfiction, and graphic novels.
  • UpWork is another way to find book review gigs. Here, you can set your rates and find clients who need reviews.

You can learn more at 16 Best Ways To Get Paid To Read Books.

19. Virtual assistant

Virtual assistants (VAs) work from their home and can do many tasks by typing.

They manage social media accounts, edit content, schedule appointments, or handle email management. The tasks they do depend on what the client needs.

Virtual assistants can earn a good income. Starting pay is usually around $15 to $20 per hour, but some experienced VAs can make much more. Full-time VAs with steady clients can even earn over $10,000 a month.

I was a virtual assistant for several years, and I now have a virtual assistant who works for me. Almost everything is done online, and through typing!

You can learn more at Best Ways To Find Virtual Assistant Jobs.

20. Data entry

Data entry workers enter data into a computer system. This could include typing information from forms, updating databases, and organizing data.

One of the best parts is the flexibility. You can often find part-time, full-time, or freelance positions.

You can learn more at 15 Places To Find Data Entry Jobs From Home.

21. Freelance writing

Freelance writing is a good job to look into if you want to make money typing.

Freelance writers make money by writing articles, blog posts, and more for different clients. They can pick when they want to work and can work from anywhere.

I have been a freelance writer for years, and I really enjoy this way to make an income. It’s also great if you’re an introvert, as you can do everything right from a laptop and never have to speak to anyone (other than over email).

You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).

22. Translation

Translation jobs let you earn money by converting written text from one language to another. This is great if you are bilingual or even multilingual.

You can find translation work online, and there are many companies and agencies looking for freelance translators.

Translators usually handle documents, websites, and sometimes even books.

23. Online survey taker

If you’re looking to make some extra money from home, becoming an online survey taker could be a good option. Companies pay for your opinions about their products or services, and this info helps them improve.

Surveys are almost always done online, and you are either answering multiple choice questions or typing in quick answers that are about your life (such as, what is the last store you shopped at?).

To get started, you can sign up for multiple survey sites. Popular ones include:

  1. American Consumer Opinion
  2. Survey Junkie
  3. Swagbucks
  4. InboxDollars
  5. Branded Surveys
  6. Prime Opinion
  7. Five Surveys
  8. PrizeRebel
  9. IncomeFindr
  10. User Interviews

Some surveys pay just a few cents, while others can pay up to $20 or more, depending on the complexity (they are usually very easy to answer) and length (some may take 2 minutes to answer and others may be 30 minutes).

You can learn more at 20 Best Paid Survey Sites To Make $100+ Per Month.

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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.

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Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).

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Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.

Frequently Asked Questions

Below are answers to common questions you may have about how to get paid to type.

Can I make money by typing? Are there real online typing jobs?

Yes, you can make money by typing. There are many websites and companies that will pay you to type documents, transcribe audio files, or even enter data.

What does a typist do?

A typist is someone who types up documents, letters, reports, and other written materials for different clients or businesses. They might work from handwritten notes, audio recordings, or data that needs to be typed into a computer.

What are some legit online typing jobs?

Some legitimate online typing jobs include transcription, data entry, freelance writing, and translating.

How much does a fast typer get paid?

A person with a fast typing speed can earn anywhere from $10 to $30+ per hour, depending on the job. For example, transcription jobs might pay between $5 to $20 per audio hour. But a freelance writer can easily make $50 or more per hour.

Can I make money by typing on my phone?

Yes, you can make money by typing on your phone. Some apps and websites allow you to complete typing tasks directly from your mobile device for extra cash.

Can you get paid to type handwritten documents?

You can get paid to type handwritten documents by converting them into digital format. Clients sometimes need these types of jobs done and will ask for help on freelancing sites like Upwork and Fiverr.

Are there any ways for students to make money by typing?

Students can make money typing by doing transcription, data entry, or other typing jobs. Websites like Rev.com, TranscribeMe, and even freelance platforms like Fiverr can be great starting points.

How To Get Paid To Type – Summary

I hope you enjoyed this article on how to get paid to type.

Getting paid to type is a great way to earn extra money, whether you want a side job or a flexible work-from-home option. There are lots of opportunities, like transcription, data entry, freelance writing, and virtual assistant work.

With so many websites listing typing jobs, you can easily find something that matches your skills and schedule.

I have been getting paid to type for years and I really like it – you may too!

What do you think is the best way to get paid to type?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

I started making extra money and side hustling around 15 years ago, and since then I have done over 20 different side hustles. I started so that I could stop living paycheck to paycheck, and so that I could pay off my student loans quickly (I ended up paying off $40,000 in student loans in…

I started making extra money and side hustling around 15 years ago, and since then I have done over 20 different side hustles.

I started so that I could stop living paycheck to paycheck, and so that I could pay off my student loans quickly (I ended up paying off $40,000 in student loans in just 7 months thanks to side hustling!).

Some were short-lived, while others turned into steady streams of income (and are even my full-time income today). Each side job taught me something valuable about money, time, and effort. I juggled everything from reselling clothes online to being a virtual assistant, mystery shopping, answering online surveys, having roommates, and more.

There isn’t one best way to make extra money; it depends on what you’re good at, what you like, how much time you have, and more.

If you want to start a side job, my experiences can help you decide. I’ll tell you what I learned from each one I tried, so you can see the pros and cons of each.

My Side Hustles Review

Below is my review of the different side hustles I have tried over the years. These are in no particular order.

A picture of me blogging from several years ago 🙂

1. Blogging

Blogging can be a great way to earn money while writing about topics you love. I’ve done it for years and have seen how it can grow from a hobby into a full-time job.

I enjoy blogging for many reasons such as:

  • It’s flexible – You can blog from anywhere, anytime.
  • It’s affordable to start – You just need a computer and internet.
  • It’s a great creative outlet – Share your thoughts and passions with the world. I enjoy blogging and running a website.

While there are a lot of great reasons to start a blog, there are some challenges such as it can be time-consuming and there is no guarantee that you will make money.

When I first started my blog, I was working over 40 hours a week on it and making nothing. It took me 6 months to make my first $100 from it, actually!

But, it was all worth it in the end.

Blogging used to be my side hustle and it is now my full-time job where I have earned over $5,000,000 over the years.

I would definitely say that blogging is my favorite side hustle.

For me, it was a great second job because I could work on my blog before my day job, during lunch, after work, and on weekends. You can make your own schedule, which is a big bonus!

You can learn more about how to begin in my free How To Start a Blog Course here.

2. Paid online surveys

Paid online surveys are a way to make some extra cash when you have spare time. With just a few clicks and some honest answers, you can see money rolling in.

Companies want to know what customers think about their products and services and that is why they pay for surveys. By sharing your opinions, you help them improve and develop better offerings. In turn, they pay you for your time and insights.

You usually can earn anywhere from $0.50 to $5 per survey, depending on the length and how hard the survey is. And, surveys can take anywhere from around 10 minutes to an hour, so they are not high paying.

I’ve taken a lot of surveys over the years, and what I like about them is that you can do them whenever you want – in the morning, during lunch, before bed – whenever it works for you. There’s no strict schedule, and they are really easy to do.

My tips for success:

  1. Sign up for multiple sites: This increases your chances of getting more surveys and making more money.
  2. Complete your profile: Some survey sites match you to surveys based on your profile.
  3. Be honest: Giving truthful answers ensures you stay eligible for more surveys.

Payment methods are typically cash via PayPal, bank transfer, or free gift cards (such as to Amazon, Walmart, Starbucks, and more).

You won’t get rich from these surveys, but it’s a nice way to earn some side cash. I know that some people think that surveys are a waste of time – but I know several people (including myself) who liked doing them because they are so flexible. I think the right mindset to have is that they will definitely not make you rich, and some can take a long(er) time to earn $5.

The survey companies I recommend signing up for include:

  1. American Consumer Opinion
  2. Survey Junkie
  3. Swagbucks
  4. InboxDollars
  5. Branded Surveys
  6. Prime Opinion
  7. Five Surveys
  8. PrizeRebel
  9. Pinecone Research

3. Focus groups and paid research studies

You can make money by participating in focus groups. Companies pay for your opinions to improve their products and services.

This is similar to paid online surveys, but paid research studies and focus groups typically pay more.

User Interviews is a popular site where you can find paid research studies and focus groups.

Big companies like Pinterest, Spotify, Macy’s, Home Depot, Trip Advisor, and Amazon use User Interviews to get feedback on their new products, apps, and websites.

You can make $50 to $100 per hour, or even more, just by sharing your thoughts and feedback.

I did a user interview myself and got paid $400 for just one hour of work. It was easy, and everything was done online through a video call where they asked for my opinion on a new feature for a website.

Please click here to learn more about User Interviews.

Also, if you’re interested in paid medical research studies, then that can be a high-paying option as well. When my husband was younger, he took part in a few medical research studies to help us make extra money. He usually got paid about $1,000 for a week’s worth of time.

4. Dividends

Okay, so this isn’t exactly a side hustle, but it is a way that you can make more money so I wanted to include it here, especially since it’s one of my favorite ways to increase my income.

Dividends are an awesome way to earn passive income. You don’t need to do much work, and the money comes in. Many companies pay dividends to their shareholders regularly.

Here are a few benefits of investing in dividend stocks:

  • Regular income: You can receive payments quarterly or even monthly.
  • Low effort: Once you buy the stock, you don’t have to do much else.

A dividend is a portion of a company’s profits given to its eligible shareholders. You can receive dividends in cash, stock, or even options to buy more stock.

If you own shares in a company that pays dividends, you’ll get a dividend for each share you own.

For example, if you have 10 shares in Company XYZ and they pay $5 in cash dividends each year, you’ll get $50 in dividends for the year. Dividends are usually paid out quarterly, which means 4 times a year. So, in the example, the $5 in yearly dividends would likely be paid as $1.25 per quarter for each share you own.

You can learn more at What Are Dividends & How Do They Work? A Beginner’s Guide.

5. Buy and sell flipping

Flipping items is a great side hustle, and this is when you buy items at a low price and sell them for more.

The benefits of buy and sell flipping include:

  • Flexibility: You can flip items in your free time.
  • Profitable: Potential to earn anywhere from $50 to $5000 a month.
  • Fun: The thrill of finding good deals and making a profit.

I have flipped many items for resale over the years, and I even had a small reselling business at one point. It’s a fun way to make extra money.

While flipping items by buying and selling them for profit can be exciting, it has some downsides. One big risk is that you might not always make a profit, especially if the market drops or you overestimate the item’s value. It can also take a lot of time to research products, find good deals, and manage your listings. There’s tough competition too, as many people are trying to flip items, which can lower prices.

You can learn more at How I Made $40,000 In One Year Flipping Items.

6. Sold clothing

Selling used clothing can be a great way to make extra money. You can find clothes to sell in many places: thrift stores, clearance aisles, garage sales, and even your own closet.

For me, I liked to sell clothing on eBay as well as in person to places like Plato’s Closet. There are many more options these days, such as Poshmark and Facebook Marketplace.

Selling used clothes as a side hustle has its ups and downs. On the plus side, it has low start-up costs because you can start with clothes you already own, and it’s eco-friendly, supporting sustainable fashion. You also get to work on your own schedule, and there’s a high demand for secondhand clothes, especially trendy or vintage items. But it can take a lot of time to sort, clean, photograph, and list the clothes. Plus, shipping costs can cut into your profits, especially for heavier items.

I’ve sold a lot of clothing over the years, both online and in person (I also used to work at a secondhand clothing store for many years). I even had a small clothing resale business at one point, so I have plenty of experience in selling used clothes!

You can learn more at 16 Best Places To Sell Clothes For Cash.

7. Social media management

Social media management is a great side hustle if you enjoy creating content and engaging with people online.

Social media managers handle businesses’ social media accounts like Facebook, Instagram, and Twitter. They create posts, reply to comments, and help grow their followers.

Some benefits include:

  • Flexible hours: Many times, you can work anytime, making it easy to fit around your main job. This is because you can schedule social media posts to go out at the exact time that you want.
  • You can be creative: You can express your creativity through different types of content.
  • Work from anywhere: All you need is a laptop and internet.

But, there are some cons too. This wasn’t my favorite side hustle, mainly because it was stressful at times. It is very time-consuming (creating good content and engaging with followers can take a lot of time), there is constant learning (social media trends change quickly, so you need to keep learning new skills), and some clients may have high expectations and tight deadlines.

If you like being creative and spending time online, social media management can be a fun and rewarding side hustle.

8. Virtual assistant

Being a virtual assistant is one of my favorite side hustles. It’s flexible, and you can work from anywhere. You handle tasks for other people or businesses, like managing emails, scheduling appointments, or doing research.

Why I like virtual assisting:

  • Flexible hours: You set your own schedule.
  • Work from home: No need to commute.
  • Variety of tasks: You can decide what virtual assistant tasks you want to provide.

Working as a virtual assistant is a great way to make extra money. It gives you flexibility, a variety of tasks, and you can get started with just a computer and an internet connection.

You can learn more at Best Ways To Find Virtual Assistant Jobs.

9. Freelance writer

As a freelance writer, you get to write for different clients and websites. You can work from home and set your own hours. This side hustle can be very flexible, especially if you enjoy writing.

I’ve been a freelance writer for many years, and I really enjoy it. I’ve written for lots of different websites and companies, and I’ve made good money doing it.

The positives of being a freelance writer include:

  • Flexible schedule: You can write during your free time.
  • You get to decide what you want to write about: You get to write about different topics.
  • Work from home: No need for a commute.

There are some cons, though, such as income can vary, with some months being busy while others are slower. Finding clients requires actively searching to keep work steady. Plus, meeting deadlines can also be stressful, adding pressure to the job.

Freelance writing is a great side hustle if you love to write and want to make extra money. It takes time to build a steady income, but it can be very rewarding.

You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).

10. Receipt scanning apps

Using receipt scanning apps is an easy way to earn some extra money. You just take a picture of your receipts from shopping, and these apps give you points or cash back. Here are some of the best apps to try:

I’ve been using receipt-scanning apps for years, and I love how easy they are to use. You can earn points or cash without spending much time. Plus, since I already have the receipts, it’s great to make some extra money by doing almost nothing.

My favorite receipt-scanning apps are:

I like to use both Fetch Rewards and Ibotta on all of my receipts (yes, at the same time to stack rewards).

Receipt-scanning apps can be handy, but they do have some downsides. One of the main drawbacks is that the rewards are usually small, so it can take a while to earn a significant amount. You also have to remember to scan receipts regularly, which can be time-consuming and easy to forget.

For me, though, I like to use them on all of my receipts as it only takes a quick moment to do.

11. Mystery shopping

When I had student loans to pay off, I turned to mystery shopping to make extra money. It didn’t make me rich, but it helped increase my income and allowed me to enjoy some free meals and free stuff (like free makeup and household goods).

Mystery shopping involves acting like a regular customer and then reporting on your experience. You might review a restaurant, shop at a store, or even evaluate a phone call. Companies use your feedback to improve their service.

What I like about mystery shopping:

  • Extra cash (typically $10 to $15 per mystery shopping task)
  • Free items or meals (you’re usually given an amount to spend in the store or restaurant)
  • Flexible schedule

Mystery shopping helped me make around $100 to $200 a month.

Joining a reliable mystery shopping company is important, though, as there are a lot of scams. I used Bestmark and had a good experience with them.

Mystery shopping won’t replace a full-time job, but it’s a fun way to make some extra money.

You can learn more at How To Become A Mystery Shopper.

12. Babysitter

Being a babysitter is a flexible side hustle. You can choose your own hours and accept jobs that fit your schedule.

Parents often need help on weekends or evenings, which can be perfect if you are busy during the day.

What I liked about babysitting:

  • Good pay – around $15 to $25 per hour (depending on where you live)
  • Helps develop responsibility
  • Flexible hours

Of course, there are downsides to being a babysitter, such as it can be tiring watching kids for long periods, and sometimes this side job means that you’ll be working late nights or weekends.

I was a babysitter when I was younger and I really liked it. The kids I babysat were fun to be around!

13. Coaching

Coaching can be a great side hustle. You get to help people grow and achieve their goals. It also offers flexibility because you get to be your own boss and decide your work hours.

I used to offer blog coaching in the past, and I enjoyed helping people learn how to grow their blogs and make money blogging.

It was also really easy for me to do, as I have been blogging for many years and have learned a lot about what to do and what not to do.

If you have the expertise and enjoy motivating others to improve, then there is probably a topic that you can coach others on.

14. Course creator

Creating an online course can be a game changer for your income. I launched my first course, Making Sense of Affiliate Marketing, in July 2016. Within the first year, it brought in around $434,698. This wasn’t due to any fancy marketing techniques but mainly through word-of-mouth.

Even though the course was successful, it didn’t come easy. I was nervous about it, especially since it was my first. I had worries that no one would be interested. Plus, many people said that your first course usually isn’t great.

Yet, the desire to help others understand affiliate marketing kept me going. By sharing my knowledge, I aimed to help bloggers increase their income. Online courses are beneficial because they can include interactive materials, workbooks, and community support, which go beyond what an ebook offers.

Here are some success stories from my course:

  • One student increased their monthly income from $272 to $4,400.
  • A new blogger got their first affiliate sale just two days after taking the course.
  • Another went from earning $87 a month to over $1,700 the next month.

And I have helped countless bloggers earn well over $100,000 a year from their blog and turn it into a full-time income.

Creating a course is a lot of work, but it can also be very rewarding. It allows you to reach a wider audience and can become a substantial income stream. If you have knowledge to share, you may want to try creating your own online course.

This is a business idea that I recommend more people start! I enjoy taking courses from people and sign up for them all the time. I love learning, and so do others.

You can learn more at How I’ve Made Over $1,000,000 From My First Course Without a Big Launch.

15. Affiliate marketing

Affiliate marketing is one of the most popular side hustles. It’s easy to start and doesn’t need a lot of money up front.

You promote products and earn a commission for every sale made through your referral link. This can be done on social media, a blog, a YouTube channel, and more.

What I like about affiliate marketing:

  • Low start-up cost: You don’t need much money to start.
  • Flexible schedule: Work when you want.
  • Passive income: You can earn money even when you’re not working.

Affiliate marketing can be a fun and profitable side hustle. Just remember to stay patient and persistent!

You can learn more at What You Need To Know About Affiliate Marketing For Beginners.

This small house we owned had 4 bedrooms and we rented out two of them.

16. Rent out a room in your home

Renting out a room in your house can be a simple way to make extra money. If you have unused space, like a spare bedroom or basement, you can turn it into a rental.

I have had several roommates in the past, and I liked this side hustle a lot.

What I liked about making extra money by renting out a spare room:

  • Extra income to help pay the mortgage
  • If you have unused space, then this can be a good way to fill it

Of course, there are challenges to having a roommate, and it isn’t always perfect. Sometimes, it can be hard to share common spaces (like the kitchen and bathroom), and it can also take time to adjust to someone else’s lifestyle.

Renting out a room isn’t for everyone, but it can provide steady income with minimal effort.

17. Shop at cash back websites

Shopping at cash back websites is an easy way to earn extra money. These sites give you a percentage of your purchase back as cash. You just have to sign up, shop through their site, app, or browser extension, and earn rewards.

I like cash back sites because they are easy to use and you don’t have to pay anything extra for using them.

Shopping through cash back sites can give you a nice little bonus on things you already planned to buy. It’s like getting paid to shop.

My favorite cash back sites are:

  • Rakuten (for online shopping like clothing, home goods, etc.)
  • Upside (for gas)
  • Honey (for online shopping like clothing, home goods, etc.)
  • Fetch Rewards (for groceries)

18. Earn credit card rewards

Using credit cards (the smart way) can help you earn rewards like cash, travel points, and more.

I’ve been using rewards credit cards for years, and now they’re the only cards I use. They help me save money on travel, earn cash back, and more.

By choosing the right credit card and using it wisely, you can enjoy great rewards and make the most of your spending.

Remember, carrying a balance on your credit card can lead to interest charges, which can outweigh the benefits of rewards. Always try to pay off your full balance each month to avoid these fees.

You can see my favorite credit card rewards at Best Rewards Credit Cards For This Year | What You Need To Know.

19. Brand ambassador

Being a brand ambassador is one of the more popular side hustles.

You represent a company and help promote its products. Often, you act as a public spokesperson. You can find opportunities on Facebook and many cities have brand ambassador groups where gigs are posted.

Brand ambassadors can earn between $15 to $20 per hour. Some high-end gigs can pay up to $100 per hour.

Benefits of this side hustle include flexible hours and the chance to work for brands you like. You may be able to get free products or swag, too, and this is one thing I really liked about being a brand ambassador in the past.

20. Newspaper delivery

Delivering newspapers can be an easy way to make money. It’s a job you can do before school or work, and it lets you get exercise too. You may drive, ride your bike, or walk to each house and leave the newspaper by the door.

The benefits of newspaper delivery include:

  • Exercise: If you walk or ride your bike, you can get plenty of fresh air and exercise.
  • Scheduling: Most routes are in the early morning, so you still have the rest of the day free.
  • Tips: Some customers might give you tips during holidays or for good service.

But, there are some downsides, with the main one being that you typically have to wake up really early for this job. For newspaper delivery, you usually have to wake up very early in the morning, often around 3:00 to 5:00 AM. The exact time depends on how big your delivery route is and what the newspaper company requires. The goal is to have all the newspapers delivered by the time most people wake up, usually around 6:00 or 7:00 AM, so starting early is really important.

The other main negative is that a big collection of newspapers is, of course, heavy!

When I was younger, I helped a friend’s family with their newspaper run whenever I slept over at their house. They used their van to deliver a bunch of newspapers, and I got to tag along.

21. Help others with their resume

Helping others with their resume can be a rewarding side hustle. You can earn extra money while also making a big difference in someone’s job hunt.

When I was in my last year of college as well as about a year after I graduated, I helped several people with their resumes. I didn’t charge a lot (and many times worked for free or for a free meal), but I liked looking at resumes and finding ways to make everything sound better.

I was also really good at it and it came so easy to me!

Some benefits of this side hustle include:

  • Flexibility: You can do this from home.
  • High demand: Many people need help with their resumes.
  • Work at your own pace: There’s no rush, and you can take on as many clients as you want.

By helping others with their resumes, you can earn money and provide help. It’s a great way to use your skills and make a difference in someone’s life.

22. Enter contests and giveaways

Entering contests and giveaways can be a fun and rewarding side hustle. You will definitely not win every time, but the more you enter, the higher your chances. People have won cash, gift cards, vacations, and electronics through these events.

You can spend a little time each week entering different contests. You can find them online, on social media, and in emails from brands you follow. Some people set aside about an hour each week to enter as many as they can find.

I found success this way. For example, I once won $10,000 from a financial blog’s anniversary contest, and this was a major win early on in my side hustle journey.

Remember, entering contests should be fun. Think of it as a hobby that could pay off with some great surprises. You most likely won’t get rich nor win the lottery doing this.

This is a screenshot from this month. I earned around $300 playing games on my phone.

23. Rewards sites (GPT sites)

Rewards sites, also known as GPT (Get-Paid-To) sites, are platforms where you can earn money by doing simple tasks online.

Tasks you might do include:

  • Taking surveys
  • Reading emails
  • Playing games
  • Shopping online
  • Trying new apps and services
  • Clicking ads

Rewards sites have been around for a while and have proven to be a reliable way to earn some extra cash. Though the payouts are often small, they can add up over time. For instance, Swagbucks has paid out over $80 million to its users.

Using multiple sites can help maximize your earnings. It’s easy to do tasks during your free time, making it a flexible way to earn money without a huge time commitment.

It’s key to choose reputable sites to make sure that you get paid for your efforts, so I recommend that you stick with popular, well-reviewed platforms to avoid scams.

Rewards sites will most likely not replace a full-time income, but they can be a fun way to get some extra spending money.

Here’s a quick list of the best GPT sites:

24. Test websites (User Testing)

Testing websites, also known as user testing, is a popular side hustle. You get paid to visit a website or app and give feedback on your experience.

You will need a computer, a reliable internet connection, and sometimes a microphone.

User testing is flexible. You can do it in your free time from the comfort of your home. This side hustle is great if you like trying new things and providing feedback.

I have personally been paid to do user testing in the past, as well as paid others to do user testing on this very website, Making Sense of Cents. I thought it was an easy side hustle where you just share what you honestly think of a website.

25. College textbook resale

Selling your college textbooks is a great way to make some extra money.

When I was in college, I sold all of my college textbooks once I was done, and I always tried to make the most money (so, that typically meant that I never sold it directly back to my college bookstore, because they usually paid the least amount).

Reselling college textbooks as a side hustle has its ups and downs.

On the plus side, there’s a high demand for cheaper, used textbooks, so you can make good money if you buy low and sell high. It’s easy to start, especially if you begin with your own used books, and it’s a great way to encourage reusing materials.

But the market is seasonal, with most demand at the start of each semester, so your income might be inconsistent. New editions can come out, making older books less valuable, and storing a lot of books can be tough. Plus, shipping heavy textbooks can cut into your profits if you’re not careful.

Recommended reading: 17 Best Places To Sell Used Books For Cash

Frequently Asked Questions

Below are answers to common questions about finding the best side hustle.

What are the top side hustles that can bring in good money?

Top side hustles that can bring in good money include freelancing, blogging, flipping items for resale, and renting out rooms in your home.

How can I find side hustles that pay me every week?

You can find weekly pay side hustles through gig economy platforms like Uber, Lyft, and DoorDash. Freelancing on websites like Upwork or Fiverr might also pay weekly, depending on your agreement with clients. Another option is finding part-time jobs at local businesses that pay weekly wages.

Can you suggest some side hustle ideas I can do from my house?

There are several home-based side hustles. You can start freelancing in areas like writing, graphic design, or social media management. Another idea is to sell virtual assistant services. Teaching online courses or tutoring students in subjects you excel at is also a great way to earn from home.

What side jobs are out there for someone with no experience?

There are many side jobs for beginners. You can try pet sitting or dog walking through apps like Rover. Babysitting is another option if you like spending time with children. Delivery driving for companies like Uber Eats or Instacart doesn’t require much experience and can be started quickly too.

My Favorite Side Hustles – Summary

Now that we have gone over my full list, I want to talk about one of the main deciding factors of a side hustle.

Your time is important. Some side jobs take a lot of time but don’t pay well, while others pay more with less time.

Think about how much free time you have after your main job and how much money you want to make. This balance is very important. Track the hours you work and the money you earn to see if it’s worth it. The best side job fits into your life without stressing you out.

Also, another important deciding factor is choosing a side hustle that aligns with your skills and lifestyle. If you’re good at something, you’re likely to enjoy it more and perform better.

So, I recommend thinking about your current skills and hobbies. Matching your side hustle to your skills makes it easier and more enjoyable. Plus, you’re more likely to find success and earn extra income.

What’s your favorite side hustle?

Source: makingsenseofcents.com